Heat Pump Installation Cost in Minnesota (2026)
A ducted heat pump installed by us in Minnesota costs $7,500–$14,500; ductless runs $4,200–$12,500. See what moves the price and which rebates still run.
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Heat Pump Installation in Stillwater, MN
A heat pump installed in Stillwater runs about $7,500–$14,500 with a written flat-rate quote, best in ducted Croixwood homes on Xcel gas. It fits best in the Croixwood and west-side houses that already have ducts and Xcel gas, while the radiator houses on the Hills usually call for a different plan.
Heat pump work in Stillwater homes
Stillwater has two kinds of houses, and a heat pump treats them differently. West of downtown, in Croixwood and the newer subdivisions, the two-stories have ordinary basements and ducts. Their builder-grade furnaces and air conditioners are aging out, which makes it a natural time to swap the AC for a cold-climate heat pump and keep a gas furnace behind it. Xcel Energy supplies both fuels.
On North Hill and South Hill, many houses date to the lumber era. They were heated by hot-water or steam radiators, or by gravity furnaces that were later refitted with blowers. Where there are no ducts, a ducted heat pump has nothing to push air through, and cutting trunk lines through plaster and stone foundations is rarely worth it. For those homes we usually keep the boiler and add ductless heads. Any swap that touches an old chimney should include a flue liner check.
Updated November 10, 2026
What affects the price of a heat pump in Stillwater?
Our $7,500–$14,500 installed price comes as a written flat-rate quote, with a 2-year labor warranty on top of the manufacturer's parts warranty. A Croixwood two-story with ducts and Xcel gas swaps its AC for a heat pump, while the radiator houses on the Hills are priced as ductless instead. See the heat pump cost guide.
Are there rebates for a heat pump in Stillwater?
On the North and South Hills, the Xcel rebate that matters most is the one for high-efficiency gas boilers; on the west side it's usually a furnace, central AC or heat pump. Mini-split and cold-climate mini-split heat pumps, a common way to cool radiator homes, have their own Xcel rebates. Ask whether the rebate needs a registered contractor. Rebate programs change every year, so check the utility's current terms before you buy.
Our guides: Xcel and CenterPoint rebates, heat pump rebates.
Symptom guides: Extreme cold · Blank thermostat · Hyper-Heat vs standard · Signs a heat pump makes sense for your house
Heat pumps in Stillwater: questions
Can a heat pump replace the boiler in my North Hill home?
Not directly. A boiler sends hot water to radiators, and a standard heat pump moves air through ducts. In a house with no ducts, the realistic options are to keep the boiler for heat and add ductless heads for cooling and mild-weather heat, or to see what duct routes are possible. We tell you which one fits.
Is a west-side Stillwater two-story a good fit for dual fuel?
Usually, yes. Ducts are in place, Xcel gas is on the street, and the builder equipment is reaching replacement age. A common plan is a heat pump in place of the AC with the furnace kept or replaced as backup. Our written quote shows both choices so you can compare before anything is ordered.
More in Stillwater
- Furnace repair in Stillwater
- Furnace replacement in Stillwater
- AC repair in Stillwater
- AC replacement in Stillwater
- Mini-splits in Stillwater
- Boiler service in Stillwater
- Tune-ups in Stillwater
- All HVAC service in Stillwater
Heat pump installs near Stillwater
- Oak Park Heights, MN heat pumps · 2 mi
- Bayport, MN heat pumps · 3 mi
- Grant, MN heat pumps · 5 mi
- Lake Elmo, MN heat pumps · 6 mi
- Mahtomedi, MN heat pumps · 7 mi
- White Bear Lake, MN heat pumps · 9 mi
Brands we install and service
Guides on heat pumps
8 Heat Pump Buying Mistakes Minnesota Homeowners Make
Eight heat pump buying mistakes Minnesota homeowners make, from shopping by SEER2 to ground-level outdoor units and outdated rebates, and how to avoid them.
Read the guideHSPF2 and COP: Heat Pump Ratings for Minnesota Winters
HSPF2 is a seasonal average; COP is efficiency at one temperature. For a Minnesota winter, compare capacity and COP at 5°F. Our heat pumps run $7,500–$14,500.
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Heat out? AC quit? Call or send a request.